WallStSmart

AtlasClear Holdings, Inc. (ATCH)vsCharles Schwab Corp (SCHW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Charles Schwab Corp generates 159832% more annual revenue ($26.03B vs $16.27M). SCHW leads profitability with a 38.8% profit margin vs 16.8%. SCHW earns a higher WallStSmart Score of 81/100 (A-).

ATCH

Buy

54

out of 100

Grade: C-

Growth: 7.3Profit: 4.5Value: 5.0Quality: 4.5
Piotroski: 3/9Altman Z: -1.83

SCHW

Exceptional Buy

81

out of 100

Grade: A-

Growth: 8.0Profit: 8.0Value: 6.3Quality: 6.5
Piotroski: 6/9Altman Z: -0.14

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ATCH2 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
65.2%10/10

Revenue surging 65.2% year-over-year

SCHW6 strengths · Avg: 9.0/10
Profit MarginProfitability
38.8%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
52.3%10/10

Strong operational efficiency at 52.3%

Market CapQuality
$185.47B9/10

Large-cap with strong market position

Return on EquityProfitability
20.2%9/10

Every $100 of equity generates 20 in profit

PEG RatioValuation
0.918/10

Growing faster than its price suggests

Revenue GrowthGrowth
20.9%8/10

Revenue surging 20.9% year-over-year

Areas to Watch

ATCH4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$27.09M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-3.50M2/10

Negative free cash flow — burning cash

SCHW2 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-2.97B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.142/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ATCH

The strongest argument for ATCH centers on Price/Book, Revenue Growth. Profitability is solid with margins at 16.8% and operating margin at -24.7%. Revenue growth of 65.2% demonstrates continued momentum.

Bull Case : SCHW

The strongest argument for SCHW centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 38.8% and operating margin at 52.3%. Revenue growth of 20.9% demonstrates continued momentum.

Bear Case : ATCH

The primary concerns for ATCH are EPS Growth, Market Cap, Piotroski F-Score.

Bear Case : SCHW

The primary concerns for SCHW are Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

ATCH carries more volatility with a beta of 0.97 — expect wider price swings.

ATCH is growing revenue faster at 65.2% — sustainability is the question.

ATCH generates stronger free cash flow (-3M), providing more financial flexibility.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SCHW scores higher overall (81/100 vs 54/100), backed by strong 38.8% margins and 20.9% revenue growth. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AtlasClear Holdings, Inc.

FINANCIAL SERVICES · CAPITAL MARKETS · USA

AirTouch Communications, Inc., a technology firm, engages in the development and marketing of communication devices in the United States. The company is headquartered in Newport Beach, California.

Charles Schwab Corp

FINANCIAL SERVICES · CAPITAL MARKETS · USA

The Charles Schwab Corporation is an American multinational financial services company. It offers banking, commercial banking, an electronic trading platform, and wealth management advisory services to both retail and institutional clients.

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